Upgrade Reviews

Customer service rep very helpful. Solved my password issue. Was very knowledgeable and friendly. Stayed on the phone to make sure I could get into my account. I will recommend to my family and friends to use Upgrade…Fast and easy to apply online.

This was so easy, fast and convenient but I wish the interest rate wasn't as high. I needed the funds to consolidate at my bills and credit cards. This was perfect. Like I said, I wish the interest rate was lower but I am just going to pay it off as soon as possible.

Did not realize you were going to charge me so much for the loan if at all. Make it more apparent. This has made me feel ripped off. I will never recommend a loan through you and will get a new loan as soon as possible.

Prompt and reliable. Good loan terms. Helped me with debt consolidation. I recommend it if you need a loan. I was surprised how quick the process was. I’m sure it saved me thousands of dollars in interest before it was all done.

I had a great experience with Upgrade. Simple and easy loan application and review. I received my funds quickly. I also applied for the Upgrade credit line and was approved. I have worked so hard to get my credit into shape and was given the loan for debt consolidation. You guys are awesome. I will def use you for my future needs!

I have nothing negative to say. Only positives. I applied and was approved in an extremely timely manner. My instructions for followed explicitly and everything they told me was as it is. I feel super comfortable with the choices for the terms for my specific loan, They provide a lot of different options to choose from. It works. I can begin to build my savings through PenFed Credit Union. It's a positive part of my deal. I'm extremely happy.

The number of key pieces of information hidden on your competitors' websites is astonishing. The process is stressful enough without unnecessary surprises. The adjustment in the amount of the loan requested also proved beneficial. Would like to suggest including with the loan approval screen a web page or so of basic budgeting and personal financial planning information - the kind the banks frequently offer. Have found it very useful to review this information periodically. Now that I am thinking about it, I am going to hunt up my personal financial planning and budgeting information to see if the last part of the loan expenditures can be more effective and efficient.

Received 10k dollar loan to combine all my credit cards. This lowered my interest rates 2/3. My average interest rate was 27 percent and now it's around 9% with one low payment. They put the leftover money in my bank and I paid off the smaller ones from that. I only owe for this loan and that is it.

Very way process from application to approval. Money in the bank the next day. I had issues with the website and customer service very patient in assisting me. They are very friendly and called me by name which I appreciate. Highly recommend Upgrade!!

I have had nothing but good experiences with Upgrade. This is the third time I’ve used them. So far I have no complaints. Doing this debt consolidation loan cut a year off of my debt pay off timeline. Would use them again.

Loan Process was not stressful. Customer service was very professional and courteous. I received my funds pretty quickly. Most loan application is stressful and tiresome. The process was easy and smooth. Any questions asked were answered immediate. Definitely use this Company Again! Thank you Upgrade.

The application process was easy, quick and painless. The funds provided came in quickly and the payments to my credit cards were also quick. Thanks so much for a great experience. I will continue to suggest to friends and family to contact Upgrade when they have the same issues I did.

This loan company was very responsive with emails on your progress, approval and returned emails when your deposit would be made. I was in the know every second on what I was being approved for, when and the amount. Great team!

I have money saved and two good jobs. But sometimes I need some extra cash, so, twice I contacted Upgrade and no questions asked. No headaches. They just approved me for the amount I asked. It’s good to have that kind of friend looking up for you. Thank you.

I had to verify my bank numerous time and had to be on a 3 way call with me several times.. after the wrong routing number was used. Citibank kicked the funds back then it became process to get my funds resent back.. Even with a new routing number. I had to go back thru the process again.. I shouldn’t had to wait a whole week to get my funds back. Very disappointing. I almost canceled the loan cause I kept getting the run around.

I was blown away that the lending decision was made overnight and that Upgrade funded the loan without asking for paystubs, tax returns, etc... I secured a fixed rate much lower versus the credit card rates I was paying. The transaction was completed by using DocuShare! Wow!

From beginning of process everything was easy to understand. Application was clear and concise and took little time to fill out. Response was quick and funding within days as promised. Would definitely recommend! Funds used to consolidate credit card debt. Lowered monthly payments in amount as well as number. Credit cards paid off and credit rating increased. A good accomplishment all around.,,,

I had been getting offers for a personal loan, didn't want to go thru a long process. I applied online and the whole process didn't take 24 hours. I'm very pleased with the fast and professional service I received. I will definitely be considering Upgrade for future finances.

I was amazed at the quick turnaround. I had some problems with logging in to finish the application. One email to support, one phone call and quickly problem resolved, finished application and was funded. If not for the one minor hang up, it would have been flawless. The technical problem was that the login page didn't accept or recognize the auto fill. Once I manually keyed it in, voila it worked, and now accepts the auto fill.

The loan process was fast and easy. Five stars. Truly recommend. The money was deposited the following day. The only thing I had to upload was a bank statement to show my direct deposit. This loan help home from paying 33% interest to 15% interest. Big difference.

Easy process. The next day I received a congratulations that I was approved. No having to go to a bank waiting for days or a credit union Filling out paperwork. I have never had such a none stress loan process. Upgrade is the future to a loans and to top it off my interest rate it was pleasantly surprising. I highly recommend upgrade to payoff high interest loans with high interest. They transferred the money to my checking account within 2 days and sent a check out to the the high interest loan I had and now I pay half the monthly payment I had with previous loan as well as lower interest rate. Thank you upgrade.

Great rates, simple transaction. Only downside was you had to open an acct for their credit union which I don't see the point but all in all a fair and quick way to consolidate my credit card bills to a much lower rate. Don't think twice...just do it!

My experience with Upgrade was awesome. I would definitely recommend family and friends. I got my loan within a few days. Great customer service. If you have decent credit you still can at least get for $2,500. Hello monthly payments. Thank you upgrade. ☺️

Highly recommended!!! No matter what your fico score is, I had an amazing experience in consolidating my credit card debts. I was first approved for a credit card and then they offered me a personal loan to consolidate all of my credit card debts, I tried to do it with different financial institutions but I wasn't able to. I am very happy and thankful!!!

I was confused that I had to have a different account to fund my visa debit card. I guess because I have a personal loan, not attached to the visa debit card then I have been approved for a line of credit on another card that I don’t plan to use at present. I’ll get it worked out, thanks.

I had a rough start at first because they kept pulling information that was not mines. Decided to go through Credit Karma, and the process was just so easy.. If you're looking to consolidate your credit cards, these guys are who you need to go through..

Awesome to work with. Everything worked out smoothly. The process was quick and easy. I received exactly what I was advised I would. No hidden fees. Customer service is great and helpful. Awesome app to work with that is easy to use.

Process was easy, fairly quick approvals. Do not like the fee that is added on, almost $1,000.00 for a processing fee on top of the already high interest rate. Have not had this very long, so once I am able to make payments it would be easier to suggest how well the system runs. Overall 3 stars.

The swiftness and effective communication was world renowned and I certainly appreciate it! This service completed in such a timely manner that I know most people and companies appreciate. The ease of the website was extremely nice and effective as well!

I am very happy to have the opportunity to be approved for a loan. It came at the right time. A jump start is what I needed to help clean up my debt. It came very fast and paid my cards for me. Thank you!!

I applied for a loan, and it was super efficient, easy, and all online, super happy with the experience, and set up auto pay. Easy Peazy. I would totally recommend to a friend looking for a loan. Thank you! Anna

My experience with Upgrade was refreshing. My offer came quickly and allowed me to compare it with other options. The terms of the loan were clearly laid out in the agreement, and the customer service team promptly reached out to verify information and send funds. Great experience thus far.

The process was simple, everything could be done online. I had to call in man’s. The person that answered my call was professional, helpful and friendly. I also like the fact that getting the loan is not the end of the process, Upgrade continue to show you ways to better handle your finances. Thanks.

It was easy to apply, qualify and approval. From the time I received promotion loan information till deposit was within 10 working days. It was efficient process. I needed financial assistance and was pleased with the process. There are many ways to get loans but it can be a timely and tedious process.

Great and fast response. Appreciate it much when it’s is needed. I would recommend to anyone who needs it. I haven’t seen a business that is this fast and quick. Thank you. Please keep it up. Thank you.

I’m so grateful for this company. They helped me out a lot after approving me. Thank you so much. I highly recommend applying! I don’t have the best credit so I was worried when I applied but it all worked out amazingly.

Needed a loan for window replacement. This was quick, easy forms to fill out. Fast response whether I was approved or not. And the money was deposited within the next business day, which worked out perfect for my situation. Thank you

My experience was very quick and easy to understand. They explained everything I needed to know and made me feel comfortable with my decision. I didn't feel pressured to make a quick decision. I received lots of helpful information directly to my email.

Very easy and simple process to get a loan. The money was in my account within days and the money was sent to my credit card accounts very quickly. I recommended family members to this process and explained how easy it was to apply.

Once I applied for my loan, everything was very easy. I was notified of what I needed to provide, and the process was simple and fast. The money was in my account within a few days. This was very stress free and a positive experience!

Very quick process, recommended through Credit Karma. Funds arrived fast, I was able to pay down high interest credit lines and set up an affordable monthly payment! Hoping to pay this down within 2 years, funds allowed me to pay down credit and lawyer fees, I appreciate the help!

The ease of applying and the quick turnaround to fund the loan was awesome! I was unsure if I would be approved, but I'm happy I decided to apply. The terms are easy to understand. I'm grateful that they were able to help me in my time of unexpected need.

You’ve helped me accomplish some financial goals and the process was very easy. Not a long process and quick results! Upgrade is definitely something I would recommend to those looking to better themselves financially but need time to pay off the loan.

Excellent this company, very fast approval, very professional and above all for the payment of your cards. I recommend them 100%. I would use this service again. Also Mobile application which is excellent to know about your payments and how your credit is doing.

In trying to look for a good loan lender with the current credit score I had it has been kind of tough looking for one that would take me. But one morning I got a notification from Upgrade saying I'd be eligible for an offer and lo and behold here I am a very satisfied customer.

Upgrade was a fast and easy loan to help consolidate debt, and make some household improvements. Quick and easy acceptance, and fast to hit your account, meant you don't have to wait very long to take care of business. The only slight negative is that in order to get the lowest possible rate, you must use half your loan to consolidate debt. It was fine with me, but for some it would be a pain.

Upgrade is good with their words and work. I appreciate it. Did not take that much to get approved for credit or personal loan. I recommend anyone to try for loan or credit. I believe they are more flexible in taking decision about customers approach than any other lending companies.

An Upgrade loan was definitely a life saver! The process was awesome from the beginning to the end. It was super efficient and fastest approval I have ever experienced! I will definitely return for more business and recommend Upgrade to everyone!

I kept receiving the advertisement in the mail and emails, so I decided to apply for the offer. Easy experience, customer service great and I was approved. I am happy that I applied and was approved. I would Highly Recommend Upgrade.

Getting my loan was super easy! I had no difficulty understanding the terms and requirements set forth by Upgrade. I was extremely pleased with how quickly I received the payments to my cards, as well as the money in my account. My interest rate is half of what I was paying with my credit cards. Overall it was a great experience! I would definitely recommend Upgrade!

I applied for a loan to consolidate credit card debt. I was approved within 20 minutes and had the money in my account the next day. The interest is very fair and will save so much money in the long run. Thank you Upgrade!!

Was able to choose from different lenders and rates. Very easy! Sign up, choose loan amount and term. Credit check passes and loan is deposited. Whole process took 5 total business days! Paid off 10000 in credit card debt and still left 1300 cash in my bank! 3 year term, 430 a month saves me 200 a month and will leave me credit card debt free!

My process was very smooth. As soon as I submitted my documents my loan was approved same day and funds were available before 5:00pm. I would highly recommend Upgrade. The interest rate is kinda high but my monthly payment is very affordable and there is not penalties if you pay off early.

Easy company to work with. Form filling and application were straightforward. Any communication with customer service was a pleasant experience. Any questions or concerns were easily dispelled. I greatly appreciate the help provided by Upgrade. I look forward to any future dealings.

Having dealt with refinancing over the years, I didn’t want to refinance to pull equity but I didn’t want to take out a 2nd on the house because I plan to sell my house next spring. The lien would have to be paid off before it could sell. My plan was to just make payments and then when the house was sold, I’d pay off the remaining balance, but I didn’t know how to get the $50K I needed for home improvement. Jorge from QuickCrew sent me to Hearth and that’s where I found Upgrade. It was absolutely STUNNING to me. I signed up, logged on, keyed in the most BASIC info and was DONE! One week later, the amount was in my checking account!!! No paperwork! Amazing! I’ll highly recommend Hearth/Upgrade to any family or friends. Thanks!!

I recently qualified for a loan from you. Thank you! I have paid off all my big balance credit cards and will be paying far less on my loan than I had been paying to then. What a relief to not be paying that high interest anymore and having only one payment. Thank you!!

Applied and received offers fairly quickly, once loan approved the funds were in my account within 24hours. Terms easy to understand and payments are low. I definitely recommend. Very reasonable and affordable. Gave a choice of 8 different loans and repayment options, also will pay off your credit cards for you. Great solution if you need a loan.

I went with Upgrade through Credit Karma for my debt consolidation. So far, the experience has been efficient and painless. Upgrade was transparent throughout the entire process. If anyone is looking to save money on APR over time, I recommend consolidating through Upgrade.

This company is professional and helped me get a loan with good rates, when my credit score was just fair. Please use this company they helped me and so many ways. Know I'm no longer financial struggling. Thank you Upgrade.

Quick and easy with great terms and no hidden information. No hassles and uploading documents was easy and no issues. Customer service was friendly when they called or we had to call them. Our debt was paid directly which was great!

This is my second loan with Upgrade. I would recommend this company to anyone who is shopping for the best rates and ease of use. Upgrade has been upfront and spot-on the two times we have conducted business together

This is my 2nd loan with Upgrade. It's fast and easy. The money was in my account in 2 business days. I would recommend using them to anyone that needs money fast. The whole process from start to finish was great.

My experience was fast simple and easy... Had a few questions, the representative was there to walk me through and they get my application completed... And I received my funds within 24 hours... I would recommend this service to my family friends and relatives

So far the only thing that's stopping me from hitting 5 stars is that 1 of my balances hasn't been paid off yet. If not by Monday I'm gonna have to contact you all. All of my other balances were paid within 3 days. It has now been 6 days since the remainder hit my bank account. My PayPal credit still hasn't been paid.

I was working hard on reestablishing my credit when... you get it. I needed to Upgrade. Options! Wow! The amounts, payments, and rates allowed me to customize a personal loan that was exactly right for me. The entire process was fast and efficient. Though Upgrade gives you the choice to send your money wherever you want, I chose to have it sent to my personal account; it processed the following business day. I can use the money where and when I need it. It is perfect for recovering from unexpected expenses and consolidating debt with one manageable payment at a lower interest rate. I would recommend Upgrade to anyone who needs to get ahead of themselves for a minute - and that's just about everyone.

Very fast. Applied for a loan. Approved for a loan. The whole process only took about 3 days. I have used Upgrade for a few years now. The service is amazing. Will continue to use them in the future. I will not use another company.

Yes I would and will recommend it to my friends! Upgrade was very helpful to me and very easy to apply for it. Upgrade help me consolidate my debt in to one easy payment! With very easy steps and no hassle!

It was Very easy and detailed. Response was exceptionally Fast and efficient. Application process was clear and straightforward. Payments made quickly and fees were reasonable. I have trust in this company providing loan for credit union members. Their Service provided was appreciated greatly.

When I received the notice, I started thinking about whether it was possible even though I had not received credit yet, and I was surprised that it was handled so concisely and quickly from start to finish. I will recommend it to others as well.

Awesome customer service. The loan process was smooth and easy. I applied for the loan and it was quick and easy. The money was put into my bank account very quickly. And I did not get any annoying phone call. Great company.

It was quick and easy. I appreciate what you guys are doing for us as consumers. Took all the hassle out of dealing with banks. I've only been doing business with you guys for a little while now but I would definitely recommend you to anyone else that I know.

I received a personal loan and the process was quick and completely smooth and convenient. There were absolutely no flaws in the system and I feel completely comfortable with the entire process. I would highly recommend to anyone with decent credit who is looking for a quick personal loan.

The loan process was easy and straightforward. I am planning on using this company if I need a down payment for a home deposit. The money was deposited in my account as expected. I am excited to be on my way to better money management.

So far so good. Thank you. I have no complaints so far but it could be too early to tell so I don’t want to speak too soon. I literally just applied and got approved and got my funds within a couple days.

I liked and was satisfied. I will work hard to keep working with this bank and look forward for the future with you. The service was good and quick. There were many things that were good and I liked about this bank.

Upgrade really takes into consideration accurate and valuable information in order to provide products tailored to each individual’s needs. They are willing to help everyone. I am extremely happy to be an Upgrade customer and plan to being one for a long time.

The process was very easy I was very glad I found you. Using your services gave me the opportunity to buy a new riding mower to take care of my yard. I'm very sorry I'm not big on conversations or writing.

I’ve used this company twice to consolidate debt, although I’m hoping not to need them again. It is quick and easy to get approved and receive the funds. The interest is not super high. I would recommend to a friend.

Was very fast and quick and easy to fill out a application. Money was in my bank within 2 days and the rates were reasonable. I will recommend it to my family and friends. I will use Upgrade again sometime next year. Hopefully with a lower interest percentage. Hopefully an APR 10% or less.

They make it so easy and quick to get a personal loan. I appreciate the simplicity of being able to get money thru an easy online process. With a low payment that you can pay over time. Plus they offer a line of credit with the Upgrade card.

We needed a loan to remodel our house, Upgrade provided a great rate and monthly payment for us to be able to do it. Upgrade made the whole process simple and our money arrived quickly to my bank account. I highly recommend and will be using them again.

No hassle. Great service. If you’re approved you’ll receive funds fast and easy. I received mine in a matter of a few days. It was greatly needed and my payments were deposited into the accounts I asked with no hassle. I am greatly appreciative.

Loan process was very simple. Funds were deposited in less than one week. Forms were easy to upload. It was easy to set up automatic payments. This will help me stay current on my payments and improve my credit score.

I was looking for some funding for some personal expenses and found this to be a perfect option for what I was looking for, with great rates and repayment options that allowed me to pick exactly what I was looking for!

Amazing how professional and fast. Thank you. Appreciate your service. Would recommend to family or friend. Fastest loan service I have ever received and it was appreciated although your fee taken out is very high percentage rate. I was very disappointed in that. It seemed a rather high amount!

It was quick when I got the funds and I don’t have to pay much a month. I wish I didn't have so much taken out my loan that I requested though. I also called and the service was great. The website is straightforward as well.

Everything went well until I had to log in to my account I tried to reset the password that didn’t work. With that said I haven’t been able to make or see anything in the account because the password or login in does not work.

Wonderful experience- all done on my phone! Great interest rate (lower than other offers), flexibility in payment due date and I didn’t have to send them tons of documents. Quick approval and quick funds. I feel so great about this whole transaction. Highly recommend.

While I was surprised that my tax information was required and requested from the IRS. I viewed the experience as a due diligence practice by Upgrade. The limited interaction with upgrade was very different, yet, appreciated in view of the fact the loan was approved with limited follow-up needed. In particular once I submitted all the required documentation. The $750.00 fee was a surprise, however, I recognize this type of loan processing would merit a fee. The period of no communication and the name upgrade during that period occasionally, I wondered if my personal information had falling into the wrong hands. However, I exercised patience and trust then one day the funds were in my account. So the different kind of loan processing experience was appreciated!

I had a great experience borrowing with Upgrade. The service was Fast and efficient. I will continue to bank with upgrade. My history and current employment verification was complete quickly and money was deposited soon after.

The application process was quick and the representative called me an hour after I submitted it. Very helpful and friendly service. Got my money after 4 business days, the portal/app are also great tools to help you stay on track with your payments.

It's a little slow, with paying off some acct. Still waiting.. There's no response Upgrade as far as the timeliness, so in the meantime I'm paying that bill, soon the loan.. ??? How can this be rectified. How much longer. Or do I have pay another month, plus the loan.

Fast quick service, very reasonable interest rates. Very professional service, quick question and answer response time. I would highly recommend Upgrade to some of my friends and family. Customer service is number one. I very happy I choose to do business with this company.

Overall, the experience was smooth. After a few clicks, I was approved and funds were available shortly after. I would definitely recommend to family and friends. Upgrade definitely helped me get out of bind and ease the stress of daily living.

The entire process was effortlessly easy. Any questions were expeditiously answered by an accounts specialist. Their goal was to provide clarity as they assured you comprehended their professional replies. Wait time on the phone was to a minimum and answered pleasantly. Thank You.

Upgrade made it easy to get the funds we needed to pay off our debt and have a little extra for some home improvement projects. Upgrade was fast, easy and stress free. Approval in minutes and funds by the next day. Very satisfied!

First time applying for a personal loan. Slightly big decision to make but decided on doing so. Upgrade helped out and approve my loan and which originally saw it was going to be denied but surprisingly they approved my loan thanks to Upgrade. The personal loan was to try and straighten out my credit and take care of some overly due bills that needed straightening out. The process was simple and easy not overly complicated than I originally thought. Received my approval pretty fast without any delays or complications. So again Thanks Upgrade.

It was simple and easy, took the worry out of going to a office and waiting on a appointment. Nice to find a company like Upgrade to make it easy. Now I will see the process after my payment. Nice to have upgrade in the time you need it!

Their process is very easy and actually pretty quick in their turn around. Will do business with them in future. Their rates can sometimes be higher for people with lower credit score but gives you a chance at making your score better.

Upgrade Bank was a very professional kind service. They gave me an approving my loan with the loan. They also approve me for a healthy line of credit. They're very professional, kind, courteous and their service was very fast. I highly recommend this company to anybody who has good credit that's looking for a new bank.

Everything went really smooth after I move forward to new interest-rate.. Unfortunately I was quoted a better rate originally which was frustrating and customer service seem to have no information?! I have a mid 825 credit score Low debt to income. When I finally got my exact rate it was 3% higher? Customer service was friendly however they had no information and were not able to give me answers why it was increased from previous quote!? it was lower than a few other competitors I applied with. They paid off my cars and put the remaining in my bank in like one business day which I very much appreciate it! Thank you!

This is what you call hassle free load, the process of submitting documents was easy. I received an approval notice the same day. The cash was in my account a few days later. Upgrade granted me a loan that makes sense, I choose the option of letting them and pay off one of my credit card, and more than half of the loan went to my account and I was able to pay off my smaller debt. What a relief. Now it feels like I have financial freedom I can breathe a little better. Thank you Upgrade. I highly recommend this company. Of course there is interest to be paid a bit high, but I also had interest on my other loan before upgrade paid it off.

I reviewed this loan though Credit Karma and it was the easiest loan I have ever gotten. I was able to get the best rate for what I needed! This made it easy for me to pick the loan for my needs! Thank you.

Overall I had a really good experience using Upgrade to do debt consolidation, however there's one part of the process that gave me a bit of anxiety. To complete your loan you needed to add a certain amount of debt and the UI to do that was a little confusing for credit through companies like synchrony (Amazon Card and Care Credit). Even though I had card numbers for those lines of credit things like the Amazon card don't necessarily have expiration dates. And even though those transfers went through once I got the loan it was still a bit scary to send a large amount of money into the unknown.

Upgrade has helped me resolve my debt and with a low interest rate! I feel such great weight was lifted off my shoulders. I can't thank upgrade enough for giving me my life back without the stress. It was very hard for me and I felt like I was drowning.

Fast, easy and straightforward. No frills, no guess work. Reliable service. Would recommend to anyone looking for a easy loan process. First time user and was funded in mess than 24 hours with a great rate and set the payment date that worked for me.

This is my 2nd time I have used Upgrade and it has been an easy hassle free experience. I will always recommend them to my family and friends. They are great at consolidating credit card debt and reducing your payment to one lower payment. Thank you Upgrade.

The loan process was one of the most complete and easiest process I have ever experienced. I will certainly recommend this service to others I know. The online process was simple, straight forward and self-explanatory. The options offered were very appealing, which made it easy for me to choose Upgrade as my small loan provider.

Perfect and easy in every way. I thought the entire process was quick and easy and never felt like I was giving too much information. I would never hesitate again. Upgrade made this very easy. My interest rate is so much lower than what I had.

The whole process was incredible, it was smooth, easy to navigate and fast and did not involve having to speak to anyone. I believe this is the future of lending and thus resulting in happy customers pleased after the process.

Upgrade helped me gain control of my monthly payments and lowered my interest rate. The service was simple to apply for and use. They sent the money directly to my credit card companies and combined my debt into an easy monthly payment that was less than I was paying before. I can't recommend this service enough for anyone who's concerned about paying for their credit cards for years with no end in sight.

The process was very easy, and the communication was accurate. I was very satisfied. I will inform family and friends about Upgrade. I received a text about my loan being approved and two days later the funds were in my account. Thank you. Gail **.

My application for the loan from Upgrade went smoothly fast. I needed the funds immediately to pay off some pending high interest loans and Upgrade came to my rescue in no time. I really do appreciate Upgrade for what they did for me.

I was skeptical at first, but after doing my homework searching online, I decided go with Upgrade. And I very please that I made that decision. Online process was easy, very quick process. Received funding within three days. Very recommended.

The Company is easy to work with and Prompt on responses. This type of service is appreciated. I am grateful for the speedy decision upon my application. I am certainly going to use them again if and ever I need help.

The initial credit line was quite generous and I paid on time every month as agreed. Upgrade approved a 5G loan that I needed to help pay a few nagging bills and my monthly payment to Upgrade was barely a third of what I was paying monthly on these bills separately. AND... I never had to leave the house. The process was Eazy Peezee. Money was in my bank account in less than 3 business days. Customer service is great and now I sleep like a baby. Stress-free. I highly recommend Upgrade because they have my back.

My experience was easy and supported. I’m very thankful for the funds I’ve received and am very happily sitting in my new “office space” because of it. Upgrade guided me through the process and the loan was approved in less than a week. Thank you.

The loan process was easy and quick. I will recommend Upgrade to my friends and family and will use again. The online application is easy to use and the overall process is very user friendly. I look forward to using Upgrade again if I need to.

Like doing business with Upgrade. Easy to apply for a loan and the people you work with are friendly. You will get a fast answer if you are approved. Also they are fair about the interest of the loan. You call, answer a few simple questions and things go smoothly and you will get a answer back in a short time later, maybe next day.

So far I am a happy camper. Everything has been smooth and easy...I did everything online, it was quick and very user friendly. I am looking forward to creating a savings account that will continue to build as well as build credit.

Great experience. Consolidated my auto loan and CC debt for a lower rate, process was simple and painless. Happy with the help getting my finances in order! I only wish I had done it sooner, I had 4 different credit cards and an auto loan, now I have one easy bill that I'll pay off within the next 24 months (sooner if I pay as much as I was paying in minimum payments between all the separate accounts). Just a good idea.

It was super easy, painless and it was fantastic. I feel like it was super easy to go and get it done. I really like the feeling of taking care of the money and the debt and the credit cards and it will make me happy.

Easy process, not that much paperwork and money is there once you get approved. The lady that verified me was very helpful and they take care of you. Thank you.... for helping me when I need it. I will that them again if I need another loan.

I was overly surprised to be approved in 1 day. When my credit wasn't where it used to be, I thought getting approved would be invasive and audacious. Yet it was completely opposite. Thank you Upgrade! I have less stress over my financial future.

It was a very easy process and I have paid all my credit off and now have only one payment. I would be very happy to recommend a friend to you. It was easy and there wasn’t a hassle while doing this transaction.

The whole process was super easy and I was able to get money to pay debt off and have it into one payment. The only downside is the super high interest rates but If you're paying on credit cards chances are you are already paying it.

Upgrade was great to work with. I received my loan quickly. The people are great to work with. They will help you with any questions you have. They will also try and fit the payment amount in your budget. The money was in my account within days of my loan being approved.

Saved our lives financially at this time. We have 2 loans and credit out there. Now We're given this chance to pay off a those bills and just pay one payment. This will save us at least $500 a month. This was a gift from God.

Very easy to navigate the system and get the money that you need. Everything is up front. Customer service was great. I would definitely recommend to my friends. The funds are on your hands within 24 to 48 from completion of application. I had a wonderful experience. Thank you.

Quick, easy very helpful in getting back in track with my credit. Gives me updates on credit health all online no other to mess with. Easy to sign in and see my accounts. Easy payments auto pay and can pay more whenever.

Trustworthy and very reliable. I will love to continue working with you and I will recommend this site to my close friends who are also in need of this like me… It’s a pleasure to work with this site and I will be much more of a good conduct by making payments at every due dates.

Funds arrived quickly (2 days after I submitted the application) I received very fair interest rates! I would definitely refer to a friend. Hopefully the partner credit union that invested in the loan doesn't have any hidden membership stipulations. Other than that concern. Everything is golden.

Very quick approval and extremely fast results. Highly recommended. It was a real blessing in a time of need. I was super impressed with how just simple and fast the entire process was. If you are on the fence don’t be afraid to take a chance.

I Thank Upgrade for giving me the Loan, because it can on time to help paid off ssd' some credit cards. I am very grateful. Thank you again. I hope that others will be happy with you too.. Hope to used you again in the future

Overall I’ve had a great experience with Upgrade! I have a few accounts and they literally made everything so easy for me. The whole process was very smooth. I recommend them 100% for anybody looking for financial freedom! Great customer service too

Get the good rate and fast service. I’m recommended everyone needs loans, take Upgrade. They will give you a good joint for the payment you can make, again thank for the help with the fund amount I need on time.

Upgrade was very fast and fair with their requirements and decisions regarding the application process. The steps and questions were easy to answer and any info required by the applicant was easily understood in order to submit properly. Thank you!

I was looking to consolidate some credit card debt that I had accumulated over the pandemic, and would receive offers from Upgrade in the mail from time to time. After doing about a month's worth of research on a couple of different companies, I decided to go with Upgrade due to a few different reviews on multiple sites from people who had used them, as well as their high rating on NerdWallet.

At this point in time, I am well pleased with my lending experience. Everything went very smoothly and I received my requests in a precise and timely manner. I would recommend Upgrade to my friends in the future. Will use Upgrade again if needed.

Truthfully, I was hesitant at first,, because I wasn't familiar with Upgrade. Glad that I chose to pursue The experience and process was as simple as 1. 2, 3. Very uncomplicated, streamlined, direct and to the point. Great job Upgrade!!

I have utilized the services that Upgrade offers a few times for loans. I've found the process to be very user friendly and accommodating to my needs. I would recommend them for personal loan services and I hope they serve you as well as they have me.

It was very simple and quick to get my Credit Line and loan. The few people at Upgrade I spoke to were helpful and pleasant on the phone. Upgrade is one of the few companies that send offers in the mail that actually are legit. It was also very easy to get approved. I am using some of the money to consolidate other bills and pay some off.

My experience with Upgrade has been quite refreshing. First of all communicating with staff has been easy, in as I'm not computer or cell phone savvy, they have been patient with my many questions in this area. I have also had many questions about Upgrade products and services that were thoroughly answered. The staff has patient and to sum it up most professional. My experience with Upgrade thus far has been exciting and one I've shared with friends. I look forward to becoming totally involved with all Upgrade products and programs.

I had a very easy experience. It was nice and fast. Easy to use. I am definitely happy to have had Upgrade to lean on for a loan to help pay off credit card debt. I would definitely recommend Upgrade to any friends and family.

Loan was completed, all persons I talked to were very helpful & professional. The only issue I had was the length of time it took till it was all done, the selfie (pic) portion did not work well at all. I think I took at least 10-12 selfies. Other than that I appreciate the loan.

From applying for a loan to getting a credit card customer service as well as the online process has been streamlined efficient, everyone's been friendly, helpful and quick. I like the fact that if I call someone is there on the other end and is willing to talk to me. All in all if I could give Upgrade 10 stars I would. I will definitely be referring friends to Upgrade and family. Thank you Upgrade.

I submitted my application on a Sunday afternoon and had an acknowledgment and approval by Sunday evening!! Truly amazing from my perspective. Most entities are Monday through Friday. The Upgrade Team did a great job! I would recommend this company to anyone.

The process was convenient and easy. Also, they were true to their word as my funds were available within a business day. I highly recommend Upgrade to everyone looking to consolidate debt or looking to establish a line of credit! I will forever be thankful for their help.

I was in between jobs and just needed a little help to keep my head above water before I started my new job. Since I already have an Upgrade card I decided to call and Upgrade helped in minutes! I would definitely recommend!

I was skeptical at first but Upgrade has been one of the smoothest loan experience for me so far. I applied and got an offer within minutes without any impact on my credit! Once I accepted the offer, the funds were sent to me within a day! I would definitely recommend Upgrade to anyone looking for credit.

Decided to consolidate my credit cards to one payment. Upgrade had lots of loan options, I picked the one I felt comfortable with and had cash that next Monday. I paid off my cards now paying back just one loan, also it improved my credit score. I've recommended upgrade to two different people so far.

Was a fast easy process with approval quickly. Would highly recommend. Knew what interest rate with pre-qualification. No need for hard pull on credit to decide if I wanted the loan or not. Payments are easy with auto bank draft.

I was finally able to get my credit to a place where I could consolidate my credit cards. Upgrade rewarded my hard work with not only a great rate but more opportunities to expand my credit. I'm now close to zero credit card debt and endless opportunity.

Everything went great, money was there the next day. Great place to do business with. If need to do another personal loan would consider Upgrade anytime. Would tell my friends and relatives to do business with them. Fast and easy.

This is my second loan through this company, and both times I obtained a loan were very convenient and I had my funds in no time flat!!! I would definitely recommend this company to anyone who wants a very pleasant experience.

The speed and user friendly interface made this a very streamlined process. This is my second loan with Upgrade, so I have the experience to share with anyone I would recommend! The approval process was fast and easy to understand, and the loan funding couldn't have been anymore prompt!